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Sezzle Inc. (SEZL)

NASDAQ: SEZL · USD

$130

+2.47 (+1.9%)· Recorded snapshot

Market cap	4.4B
Revenue (ttm)	531.9M
Net income (ttm)	161.4M
EPS (ttm)	$4.55
Shares out	33.7M
P/E (trailing)	28.5x
P/E (forward)	21.4x
Volume	270,541
Beta	6.72

Market data

Price

Recent price action with selectable time range.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	Starker Kauf
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Starker Kauf
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Halten

Metric	Value
Amount currency	USD
CIK code	0001662991
Company name	Sezzle Inc.
Country	United States
Country code	US
CUSIP number	78435P105
Earnings date	2026-11-04
Earnings time	amc
Employees	201
Employees change	-207
Employees growth	-50.74%
Enterprise value	$4.4B
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	2016
In index	RUSSELL2000
Industry	Credit Services
Is primary listing	Yes
Is SPAC	No
ISIN number	US78435P1057
Last 10-K release date	2026-02-26
Last earnings date	2026-08-06
Last refreshed	2026-10-28
Last stock split date	2025-03-31
Last stock split type	Forward
Market cap	$4.4B
Market cap category	Mid-Cap
Next earnings date	2026-11-04
Options	Yes
Price	$129.83
Price currency	USD
Sector	Financials
SIC code	7389
Stock price date	2026-10-28
Symbol	SEZL
U.S. state	Minnesota
Website	https://www.sezzle.com

Metric

Value

Amount currency

USD

CIK code

0001662991

Company name

Sezzle Inc.

Country

United States

Country code

CUSIP number

78435P105

Earnings date

2026-11-04

Earnings time

amc

Employees

201

Employees change

-207

Employees growth

-50.74%

Enterprise value

$4.4B

Exchange

NASDAQ

Financial currency

USD

Financial report date

2026-06-30

First seen

2026-05-09

Fiscal year end

December

Founded

2016

In index

RUSSELL2000

Industry

Credit Services

Is primary listing

Yes

Is SPAC

ISIN number

US78435P1057

Last 10-K release date

2026-02-26

Last earnings date

2026-08-06

Last refreshed

2026-10-28

Last stock split date

2025-03-31

Last stock split type

Forward

Market cap

$4.4B

Market cap category

Mid-Cap

Next earnings date

2026-11-04

Options

Yes

Price

$129.83

Price currency

USD

Sector

Financials

SIC code

7389

Stock price date

2026-10-28

Symbol

SEZL

U.S. state

Minnesota

Website

https://www.sezzle.com

Metric	Value
Adjusted P/E ratio	28.98x
Average P/E ratio (3Y)	22.73x
Earnings yield	3.5%
EV/Earnings	27.28x
EV/EBIT	13.98x
EV/EBITDA	13.95x
EV/FCF	16.04x
EV/Sales	8.28x
FCF / EV yield	6.24%
FCF yield	6.3%
Forward EV/Sales	6.46x
Forward P/E	21.41x
Forward P/S	6.4x
Graham number	26.6098
Graham upside	-79.46%
Industry forward P/E	19.57x
Industry P/E	22.74x
Lynch fair value	$113.69
Lynch upside	-12.22%
P/(FCF - SBC) ratio	16.31x
P/(OCF - SBC) ratio	16.25x
P/B ratio	18.4x
P/E ratio	28.55x
P/FCF ratio	15.88x
P/OCF ratio	15.83x
P/S ratio	8.2x
PEG ratio	0.08x
Price / tangible book value	18.72x
Price/EBITDA ratio	13.82x
Sector forward P/E	13.61x
Sector P/E	15.68x

Metric

Value

Adjusted P/E ratio

28.98x

Average P/E ratio (3Y)

22.73x

Earnings yield

3.5%

EV/Earnings

27.28x

EV/EBIT

13.98x

EV/EBITDA

13.95x

EV/FCF

16.04x

EV/Sales

8.28x

FCF / EV yield

6.24%

FCF yield

6.3%

Forward EV/Sales

6.46x

Forward P/E

21.41x

Forward P/S

6.4x

Graham number

26.6098

Graham upside

-79.46%

Industry forward P/E

19.57x

Industry P/E

22.74x

Lynch fair value

$113.69

Lynch upside

-12.22%

P/(FCF - SBC) ratio

16.31x

P/(OCF - SBC) ratio

16.25x

P/B ratio

18.4x

P/E ratio

28.55x

P/FCF ratio

15.88x

P/OCF ratio

15.83x

P/S ratio

8.2x

PEG ratio

0.08x

Price / tangible book value

18.72x

Price/EBITDA ratio

13.82x

Sector forward P/E

13.61x

Sector P/E

15.68x

Metric	Value
EBIT margin	59.22%
EBITDA margin	59.34%
Effective tax rate	19.65%
FCF margin	51.63%
Gross margin	74.97%
Operating margin	59.22%
Pretax margin	37.77%
Profit margin	30.35%
Profit per employee	$803,134
Profitable quarters	16
Profitable years	3
Revenue per employee	$2.6M
ROA	48.79%
ROA (5Y)	17.55%
ROCE	88.78%
ROE	88.85%
ROE (5Y)	-5.02%
ROIC	101.9%
ROIC (5Y)	66.1%
SBC / revenue	1.35%
Tax / revenue	7.42%

Metric

Value

EBIT margin

59.22%

EBITDA margin

59.34%

Effective tax rate

19.65%

FCF margin

51.63%

Gross margin

74.97%

Operating margin

59.22%

Pretax margin

37.77%

Profit margin

30.35%

Profit per employee

$803,134

Profitable quarters

Profitable years

Revenue per employee

$2.6M

ROA

48.79%

ROA (5Y)

17.55%

ROCE

88.78%

ROE

88.85%

ROE (5Y)

-5.02%

ROIC

101.9%

ROIC (5Y)

66.1%

SBC / revenue

1.35%

Tax / revenue

7.42%

Metric	Value
EPS growth	54.87%
EPS growth (Q)	50%
EPS growth (QoQ)	-20.41%
EPS growth 3Y	168.3%
EPS growth quarters	4
EPS growth years	4
FCF growth	60.13%
FCF growth (Q)	128.82%
FCF growth (QoQ)	-41.51%
FCF growth 3Y	286.4%
Gross profit growth	54.15%
Gross profit growth (Q)	56.94%
Gross profit growth 3Y	91.1%
Gross profit growth 5Y	104.83%
Net income growth	54.36%
Net income growth (Q)	47.68%
Net income growth (QoQ)	-20.54%
Net income growth 3Y	174.05%
Net income growth quarters	4
Net income growth years	4
OCF growth	60.26%
OCF growth (Q)	126.6%
OCF growth (QoQ)	-41.28%
OCF growth 3Y	283.99%
Operating income growth	49.31%
Operating income growth (Q)	50.83%
Operating income growth 3Y	128.12%
Revenue growth	43.06%
Revenue growth (Q)	51.65%
Revenue growth (QoQ)	10.44%
Revenue growth 3Y	56.68%
Revenue growth 5Y	42.22%
Revenue growth quarters	22
Revenue growth years	6

Metric

Value

EPS growth

54.87%

EPS growth (Q)

50%

EPS growth (QoQ)

-20.41%

EPS growth 3Y

168.3%

EPS growth quarters

EPS growth years

FCF growth

60.13%

FCF growth (Q)

128.82%

FCF growth (QoQ)

-41.51%

FCF growth 3Y

286.4%

Gross profit growth

54.15%

Gross profit growth (Q)

56.94%

Gross profit growth 3Y

91.1%

Gross profit growth 5Y

104.83%

Net income growth

54.36%

Net income growth (Q)

47.68%

Net income growth (QoQ)

-20.54%

Net income growth 3Y

174.05%

Net income growth quarters

Net income growth years

OCF growth

60.26%

OCF growth (Q)

126.6%

OCF growth (QoQ)

-41.28%

OCF growth 3Y

283.99%

Operating income growth

49.31%

Operating income growth (Q)

50.83%

Operating income growth 3Y

128.12%

Revenue growth

43.06%

Revenue growth (Q)

51.65%

Revenue growth (QoQ)

10.44%

Revenue growth 3Y

56.68%

Revenue growth 5Y

42.22%

Revenue growth quarters

Revenue growth years

Metric	Value
Capital expenditures	$-989,000
Depreciation and amortization	$596,000
EBIT	$315M
EBITDA	$315.6M
EPS	$4.55
FCF per share	$8.15
Financing cash flow	$-75.7M
Free cash flow	$274.6M
Free cash flow minus SBC	$267.4M
Gross profit	$398.7M
Income taxes	$39.5M
Investing cash flow	$-207.5M
Net borrowing	$-7.8M
Net cash flow	$-7.9M
Net income	$161.4M
Operating cash flow minus SBC	$268.4M
Operating income	$315M
Revenue	$531.9M
Stock-based compensation	$7.2M

Metric

Value

Capital expenditures

$-989,000

Depreciation and amortization

$596,000

EBIT

$315M

EBITDA

$315.6M

EPS

$4.55

FCF per share

$8.15

Financing cash flow

$-75.7M

Free cash flow

$274.6M

Free cash flow minus SBC

$267.4M

Gross profit

$398.7M

Income taxes

$39.5M

Investing cash flow

$-207.5M

Net borrowing

$-7.8M

Net cash flow

$-7.9M

Net income

$161.4M

Operating cash flow minus SBC

$268.4M

Operating income

$315M

Revenue

$531.9M

Stock-based compensation

$7.2M

Metric	Value
Altman Z-Score	12.55
Book value per share	$6.92
Debt / EBITDA	0.39
Debt / equity	0.52
Debt / FCF	0.44
Interest coverage	22.71
Long-term assets	$48.1M
Long-term liabilities	$121.8M
Net cash (debt)	$-42.4M
Net cash / market cap	-0.97%
Net debt / EBITDA	0.13
Net debt / equity	0.18
Net debt / FCF	0.15
Piotroski F-Score	7
Shareholders' equity	$233M
Tangible book value	$233M
Tangible book value per share	$6.92
Total assets	$456.5M
Total cash	$79.8M
Total debt	$122.1M
Total liabilities	$223.5M
WACC	40.36%

Metric

Value

Altman Z-Score

12.55

Book value per share

$6.92

Debt / EBITDA

0.39

Debt / equity

0.52

Debt / FCF

0.44

Interest coverage

22.71

Long-term assets

$48.1M

Long-term liabilities

$121.8M

Net cash (debt)

$-42.4M

Net cash / market cap

-0.97%

Net debt / EBITDA

0.13

Net debt / equity

0.18

Net debt / FCF

0.15

Piotroski F-Score

Shareholders' equity

$233M

Tangible book value

$233M

Tangible book value per share

$6.92

Total assets

$456.5M

Total cash

$79.8M

Total debt

$122.1M

Total liabilities

$223.5M

WACC

40.36%

Metric	Value
Asset turnover	1.32
Current assets	$408.4M
Current liabilities	$101.7M
Current ratio	4.02
Net working capital	$227.2M
Quick ratio	3.84
Working capital	$306.7M
Working capital turnover	2.01

Metric

Value

Asset turnover

1.32

Current assets

$408.4M

Current liabilities

$101.7M

Current ratio

4.02

Net working capital

$227.2M

Quick ratio

3.84

Working capital

$306.7M

Working capital turnover

2.01

Metric	Value
Buyback yield / dilution	0.85%
Dividend yield	0%
Shareholder yield	0.85%

Metric

Value

Buyback yield / dilution

0.85%

Dividend yield

Shareholder yield

0.85%

Metric	Value
150-day SMA	$121.41
1D price change	1.94%
1M price change	15.63%
1M total return	15.63%
1W price change	-1.08%
1W total return	-1.08%
1Y price change	68.84%
1Y return CAGR	68.9%
1Y total return	68.84%
20-day SMA	$124.68
200-day SMA	$108.02
3M price change	-17.85%
3M total return	-17.85%
3Y price change	9,383.8%
3Y return CAGR	355.93%
3Y total return	9,387.29%
50-day SMA	$120.08
50-day SMA vs 200-day SMA	50over200
52-week high	$195.71
52-week high date	2026-07-16
52-week low	$49.50
52-week low date	2025-11-18
6M price change	61.11%
6M total return	61.11%
All-time high	$195.71
All-time high date	2026-07-16
All-time low	$1.19
All-time low date	2023-10-26
Average true range (ATR)	$7.23
Average volume	450.1K
Beta (1Y)	2.15
Beta (2Y)	3.27
Beta (5Y)	6.72
Change from 52-week high	-33.66%
Change from 52-week low	162.28%
Change from all-time high	-34.19%
Change from all-time low	10,704.53%
Change from open	1.17%
Day's gap	0.76%
Dollar volume	$35.1M
High price	$130.23
Low price	$126.82
Monthly RSI	59.48
Open price	$128.33
Position in 52-week range	88.27%
Premarket change	-1.3%
Premarket close	$127.36
Premarket price	$125.70
Premarket volume	1.2K
Previous close	$127.36
Price vs 150-day SMA	6.08%
Price vs 20-day SMA	3.29%
Price vs 200-day SMA	19.23%
Price vs 50-day SMA	7.25%
Relative volume	0.6
RSI	54.05
Sharpe ratio	1
Sharpe ratio (3Y)	1.7
Sortino ratio	1.56
Sortino ratio (3Y)	3.2
Volume	270.5K
Weekly RSI	55.12
YTD price change	102.9%
YTD total return	102.9%

Metric

Value

150-day SMA

$121.41

1D price change

1.94%

1M price change

15.63%

1M total return

15.63%

1W price change

-1.08%

1W total return

-1.08%

1Y price change

68.84%

1Y return CAGR

68.9%

1Y total return

68.84%

20-day SMA

$124.68

200-day SMA

$108.02

3M price change

-17.85%

3M total return

-17.85%

3Y price change

9,383.8%

3Y return CAGR

355.93%

3Y total return

9,387.29%

50-day SMA

$120.08

50-day SMA vs 200-day SMA

50over200

52-week high

$195.71

52-week high date

2026-07-16

52-week low

$49.50

52-week low date

2025-11-18

6M price change

61.11%

6M total return

61.11%

All-time high

$195.71

All-time high date

2026-07-16

All-time low

$1.19

All-time low date

2023-10-26

Average true range (ATR)

$7.23

Average volume

450.1K

Beta (1Y)

2.15

Beta (2Y)

3.27

Beta (5Y)

6.72

Change from 52-week high

-33.66%

Change from 52-week low

162.28%

Change from all-time high

-34.19%

Change from all-time low

10,704.53%

Change from open

1.17%

Day's gap

0.76%

Dollar volume

$35.1M

High price

$130.23

Low price

$126.82

Monthly RSI

59.48

Open price

$128.33

Position in 52-week range

88.27%

Premarket change

-1.3%

Premarket close

$127.36

Premarket price

$125.70

Premarket volume

1.2K

Previous close

$127.36

Price vs 150-day SMA

6.08%

Price vs 20-day SMA

3.29%

Price vs 200-day SMA

19.23%

Price vs 50-day SMA

7.25%

Relative volume

0.6

RSI

54.05

Sharpe ratio

Sharpe ratio (3Y)

1.7

Sortino ratio

1.56

Sortino ratio (3Y)

3.2

Volume

270.5K

Weekly RSI

55.12

YTD price change

102.9%

YTD total return

102.9%

Metric	Value
Float	18.9M
Float percentage	56.24%
Shares change (QoQ)	-0.6%
Shares change (YoY)	-0.85%
Shares held by insiders	43.74%
Shares held by institutions	44.81%
Shares outstanding	33.7M
Short % of float	22.29%
Short % of shares	12.54%
Short ratio	8.6 days

Metric

Value

Float

18.9M

Float percentage

56.24%

Shares change (QoQ)

-0.6%

Shares change (YoY)

-0.85%

Shares held by insiders

43.74%

Shares held by institutions

44.81%

Shares outstanding

33.7M

Short % of float

22.29%

Short % of shares

12.54%

Short ratio

8.6 days

Sezzle Inc. (SEZL)

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